Future Generali Future Criticare (Critical Illness) Insurance Plan
Future Generali Future Criticare (Critical Illness) Insurance Plan - When diagnosed with a critical illness, you tend to say “why me?” What is important, is to be positive and prepared as well. These are times when rapid medical advancements can cure heart attacks, cancer or even stroke. What’s more with the backing of the right plan, you can meet escalating medical expenses and other related costs.
Entry Age
Adults
- 18 – 65 years lifetime renewal option
Children
- 6 years to 25 years can be covered if parents are concurrently insured with Future Generali.
Maximum Sum Insured
Age between 18 years to 45 years
- Sum insured from Rs. 1 lakh to Rs. 50 lakhs
Age between 46 years to 65 years
- Sum insured from Rs. 1 lakh to Rs. 20 lakhs
Pre Acceptance Medical Tests
Age up to 45 years and insurance up to Rs. 5 lakhs
- Medical tests waived subject to no adverse health declaration on the proposal form.
Age over 46 years
- Medical tests required and 50% of the test charges are reimbursed, if you or family members are insured with us.
Medical Report validity
- 30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.
Coverages - Future Generali Future Criticare (Critical Illness) Insurance Plan
Lump Sum Benefit
- In the event of diagnosis or procedures for any of the critical illnesses mentioned below, the Criti Care policy will pay a lump sum benefit. This is subject to waiting period of 90 days from the date of policy commencement and the insured's survival for a period of 28 days from the date of diagnosis or procedure.
Diagnosis of:
- Cancer (cancer of specified severity)
- Kidney failure requiring regular dialysis
- Primary pulmonary arterial hypertension
- Liver failure
- Multiple sclerosis with persisting symptoms
Surgical procedure of:
- Major organ/bone marrow transplant
- Open chest CABG (coronary artery bypass graft)
- Aorta graft surgery
First time occurrences such as:
- Stroke leading in permanent symptoms
- First heart attack (myocardial infarction) of specified severity
- Coma of specified severity
- Total blindness
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